Student Car Insurance – What you need to know

Car insurance rates are determined by a number of factors, including age and the amount that you drive on a regular basis. Those who are younger and those who drive a lot tend to have more accidents than older individuals that don’t drive their cars often. You can use this information to help you to get better student car insurance rates.

First, for young student drivers, it is statistically more likely that you will get into an accident, so your insurance rates will not be as low as those for older, more experienced drivers that have a good driving record. You will want to make sure that you get a good student car insurance policy that covers everything should you have an accident, which won’t necessarily be the cheapest policy available. However, you can increase the deductible so that your payments will be a bit lower and it will be more affordable for you, while still offering you good coverage should you get into an accident.


More mature drivers who are going back to school for a further degree can sometimes get discounts on their policies if they speak with insurance companies about their situation. Most policies for those over 26 are based on the amount of risk that people who commute to work each day have, whereas many students really don’t drive all that often. If you are not driving your car often, speaking to your insurance company about this can help them to realize you are at less risk of having an accident. This can mean a lower cost for your student car insurance.

Some people try to lower their car insurance rates by only getting third party coverage. However, should you do this and have an accident you might end up without a working vehicle, and without the funds to get a new one. A comprehensive policy is much less risky, although it is more expensive.


You should check with a number of different companies to see which offers you the best quote for student car insurance. Many factors can influence this rate, including the type of car you drive, where you live, and sometimes even the grades you get at the university! Ask about available discounts when you call for quotes.